Hi,I have home loan max gain in sbi which is of 2150678 and rate of interest is 8.5% as it reflect in the online bank account and this loan i got on Oct 20091. Till now i am paying my EMI regularly which it comes 20056 every month and till now bank had deducted maximu interest and few percentage of principal out of that. If the principal amount is deducted then emi should also be reduced ?As per account reflected that total Prinicpal amount : 42720Loan amount : 2150678Does that mean that 8.5% is calculated in 2150678 – 42720 ?2. If i do prepayment of the loan ammount will this help in reducing me emi also ?3. If the property is under construction and only 5 lakh is disbursed out of my loan amount then sbi should take interest on only 5 lakh not on the entire sensioned loan amount?